Side-by-side · Q2 2026 data
Incommons Bank, N.A. vs Community National Bank & Trust of Texas
Metric by metric
| Measure | Incommons Bank, N.A. | Community National Bank & Trust of Texas |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 52 | 56 (stronger) |
| Loan quality | 86 | 97 (stronger) |
| Earnings | 84 | 87 (stronger) |
| Funding & liquidity | 67 (stronger) | 52 |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 53rd | 80th |
| Total assets | $277.6M | $1.7B |
| Deposits / shares | $245.8M | $1.4B |
| Capital ratio | 10.20% | 10.62% (stronger) |
| Problem loans | 0.41% | 0.09% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.08% |
| Return on assets | 1.60% | 1.66% (stronger) |
| Loans ÷ deposits | 79.0% (stronger) | 83.1% |
| Uninsured deposits | 28.1% (stronger) | 37.8% |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | 1.5% |
Community National Bank & Trust of Texas has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Incommons Bank, N.A. leads on 3 and Community National Bank & Trust of Texas on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fairfield, TX